How to ask bank to reverse the fradulent transaction on my my credit card?

Hello Sir, During my China visit a case of snatching happened with me and fraudulent transaction carried on my Credit Card around 55K .
Transaction carried out without PIN number & Transaction are carried out without Valid signature on the sales receipt.
Within the hours of incident I had reported it to the bank and card was blocked
After investigation Bank has confirmed that it’s an fraud transaction but Bank is saying above transactions were card present transactions and they are unable to win charge back for these disputed transactions.
Also according to CITI bank that cardholders are liable for all card present transactions and insisted me to pay for the transactions .
But in case of stolen card or snatching then it would be card present transaction only
Is this correct that for card present transactions card holder is totally responsible , is there any way if I can challenge this and Bank can take the liability as they agreed this is an fraud case